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How Small Businesses Can Help Employees Prepare for Retirement

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Last Updated on September 1, 2025 by Daily News Staff

Retirement, Small Business (Family Features) A comfortable retirement is something most people aspire to, and there are many paths to plan for that phase of life. While many employers offer retirement savings plans as a workplace benefit, small business owners, whose time and resources are already at a premium, often face barriers – including hours of administrative work, additional costs and compliance liabilities – when setting up these plans for their employees. 17563 detail image embed1Today, many small business owners understand the power of offering a retirement plan, such as a 401(k), to attract and retain top talent and provide additional financial security for their employees. In fact, a retirement plan is the benefit most wanted by workers after health insurance, according to a survey commissioned by 401(k) provider Human Interest. Many states have passed or enacted laws requiring most employers to offer retirement plans for employees. Currently, 20 states have passed legislation for state-mandated retirement programs and 13 states have active programs. Legislation is currently being considered in an additional 28 states. Employers can opt out of state-mandated retirement programs by offering a 401(k) plan, simplifying compliance for business owners. Federal regulations, such as SECURE 2.0, introduced incentives and requirements for business owners who offer 401(k)s, which make it easier for employees to save and access their funds. If you’re a small business owner setting up a retirement plan, these considerations can simplify the process while helping employees save for retirement. Add Auto-Enroll to Your 401(k) Plan Many people intend to save for retirement, but don’t take the necessary steps to enroll in a plan. Plans that include an automatic enrollment feature help overcome this inertia by automatically collecting deferrals from employees’ compensation each pay period unless they opt out of participation. SECURE 2.0 mandates auto-enroll for most 401(k) plans established after Dec. 29, 2022. If your plan is not subject to the requirement, consider adding it voluntarily. Ultimately, auto-enroll can help contribute to a more financially secure workforce by encouraging consistent savings habits. Take Advantage of Match Contributions Programs While the primary benefit of a 401(k) plan is to help employees save for retirement, offering an employer match encourages employees to participate, as employees may consider the match “free” money. In addition, employers can take a tax deduction for their matching contributions, up to 25% of the total compensation paid to eligible employees for the year. SECURE 2.0 also introduced a tax credit for matching contributions for small employers with new plans. Employers should be aware the tax credit is an alternative to the deduction; the employer can’t claim both in the same year. Pick a Platform Designed for Small Businesses The administrative burden of setting up retirement plans can be overwhelming for some business owners. Choosing a tech-enabled 401(k) platform like Human Interest – which offers a fast online setup in a few clicks; transparent pricing; and attentive, human support – can help employers navigate the shifting landscape of state-specific regulations and mandates. When choosing a provider, also consider the upfront fees you’ll pay (both as an employer and for the employees participating in the plan), if the platform integrates with your payroll provider, customer service response times and how the 401(k) provider can help answer questions about compliance from regulatory bodies to set your employees up for long-term success. Find additional information to help provide a more secure financial future for your employees at humaninterest.com.   Photos courtesy of Shutterstock   collect?v=1&tid=UA 482330 7&cid=1955551e 1975 5e52 0cdb 8516071094cd&sc=start&t=pageview&dl=http%3A%2F%2Ftrack.familyfeatures SOURCE: Human Interest

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How to avoid seeing disturbing video on social media and protect your peace of mind

How to avoid seeing disturbing video on social media and protect your peace of mind

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Last Updated on January 29, 2026 by Daily News Staff

How to avoid seeing disturbing video on social media and protect your peace of mind
Social media often serves up disturbing images but you can minimize your exposure. Jacob Wackerhausen/iStock via Getty Images

Annie Margaret, University of Colorado Boulder

How to avoid seeing disturbing video on social media and protect your peace of mind

When graphic videos like those of the recent shooting of a protester by federal agents in Minneapolis go viral, it can feel impossible to protect yourself from seeing things you did not consent to see. But there are steps you can take.

Social media platforms are designed to maximize engagement, not protect your peace of mind. The major platforms have also reduced their content moderation efforts over the past year or so. That means upsetting content can reach you even when you never chose to watch it.

You do not have to watch every piece of content that crosses your screen, however. Protecting your own mental state is not avoidance or denial. As a researcher who studies ways to counteract the negative effects of social media on mental health and well-being, I believe it’s a way of safeguarding the bandwidth you need to stay engaged, compassionate and effective.

Why this matters

Research shows that repeated exposure to violent or disturbing media can increase stress, heighten anxiety and contribute to feelings of helplessness. These effects are not just short-term. Over time, they erode the emotional resources you rely on to care for yourself and others.

Protecting your attention is a form of care. Liberating your attention from harmful content is not withdrawal. It is reclaiming your most powerful creative force: your consciousness.

Just as with food, not everything on the table is meant to be eaten. You wouldn’t eat something spoiled or toxic simply because it was served to you. In the same way, not every piece of media laid out in your feed deserves your attention. Choosing what to consume is a matter of health.

And while you can choose what you keep in your own kitchen cabinets, you often have less control over what shows up in your feeds. That is why it helps to take intentional steps to filter, block and set boundaries.

Practical steps you can take

Fortunately, there are straightforward ways to reduce your chances of being confronted with violent or disturbing videos. Here are four that I recommend:

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  • Turn off autoplay or limit sensitive content. Note that these settings can vary depending on device, operating system and app version, and can change.

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  • Use keyword filters. Most platforms allow you to mute or block specific words, phrases or hashtags. This reduces the chance that graphic or violent content slips into your feed.
  • Curate your feed. Unfollow accounts that regularly share disturbing images. Follow accounts that bring you knowledge, connection or joy instead.
  • Set boundaries. Reserve phone-free time during meals or before bed. Research shows that intentional breaks reduce stress and improve well-being.
a settings screen with a red rectangle around one option
Where to turn off autoplay in your account on Facebook’s website. Screen capture by The Conversation, CC BY-ND

Reclaim your agency

Social media is not neutral. Its algorithms are engineered to hold your attention, even when that means amplifying harmful or sensational material. Watching passively only serves the interests of the social media companies. Choosing to protect your attention is a way to reclaim your agency.

The urge to follow along in real time can be strong, especially during crises. But choosing not to watch every disturbing image is not neglect; it is self-preservation. Looking away protects your ability to act with purpose. When your attention is hijacked, your energy goes into shock and outrage. When your attention is steady, you can choose where to invest it.

You are not powerless. Every boundary you set – whether it is turning off autoplay, filtering content or curating your feed – is a way of taking control over what enters your mind. These actions are the foundation for being able to connect with others, help people and work for meaningful change.

More resources

I’m the executive director of the Post-Internet Project, a nonprofit dedicated to helping people navigate the psychological and social challenges of life online. With my team, I designed the evidence-backed PRISM intervention to help people manage their social media use.

Our research-based program emphasizes agency, intention and values alignment as the keys to developing healthier patterns of media consumption. You can try the PRISM process for yourself with an online class I launched through Coursera in October 2025. You can find the course, Values Aligned Media Consumption, on Coursera. The course is aimed at anyone 18 and over, and the videos are free to watch.

This story was updated on Jan. 25, 2026 to include reference to the recent shooting in Minneapolis.

Annie Margaret, Teaching Assistant Professor of Creative Technology & Design, ATLAS Institute, University of Colorado Boulder

This article is republished from The Conversation under a Creative Commons license. Read the original article.

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Understanding Cardiovascular Disease Risk Factors: Numbers to Know in 2026

The American Heart Association’s 2026 update reveals a decrease in deaths from heart disease and stroke, despite rising rates of high blood pressure, diabetes, and obesity. Following their Life’s Essential 8 guidelines can prevent 40% of cardiovascular deaths, emphasizing the importance of healthier lifestyles for improved heart health.

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Understanding Cardiovascular Disease Risk Factors: Numbers to Know in 2026

Understanding Cardiovascular Disease Risk Factors: Numbers to Know in 2026

(Family Features) Taking care of your heart with healthy behaviors may be at the top of your wellness priority list already, and there may be good news about the effects of adhering to expert recommendations.

New information from the American Heart Association’s 2026 Heart Disease & Stroke Statistics Update shows deaths from heart disease and stroke are on the decline. However, rates continue to climb for high blood pressure, diabetes and obesity – all of which are health risk factors that contribute to cardiovascular disease.

Following expert guidance can be your prescription for better health as 80% of heart disease and stroke is preventable.

To help maintain and improve your cardiovascular health, consider following the American Heart Association’s Life’s Essential 8, which is a set of four health behaviors (eat better, be more active, quit tobacco and get healthy sleep) and four health factors (manage weight, control cholesterol, manage blood sugar and manage blood pressure).

In the United States, optimal Life’s Essential 8 scores could prevent up to 40% of annual all-cause and cardiovascular disease deaths among adults.

Consider these highlights from the statistics update:

  • Heart disease remains the leading cause of death in the U.S. and stroke is the No. 4 leading cause of death.
  • Together, heart disease and stroke accounted for more than a quarter of all deaths in the U.S. in 2023.
  • Cardiovascular diseases, including all types of heart disease and stroke, claim more lives in the U.S. each year than all forms of cancer and accidental deaths — the Nos. 2 and 3 causes of death – combined.
  • On average, every 34 seconds, someone died of cardiovascular disease in 2023.
  • On average, about two people died of heart disease every 3 minutes in the U.S. in 2023.
  • On average in 2023, someone died of stroke every 3 minutes, 14 seconds in the U.S.
  • Nearly half of U.S. adults now have high blood pressure.
  • Nearly 29.5 million U.S. adults have diagnosed diabetes.
  • About 50% of U.S. adults have obesity or severe obesity, and 28.1% of youth ages 2-19 have obesity.
  • Only 1 in 4 U.S. adults meets national physical activity guidelines. Only 1 in 5 U.S. youths ages 6-17 are physically active for 60 minutes or more every day of the week.

To learn more about how to reduce your risk of cardiovascular disease, visit heart.org.

Photo courtesy of Shutterstock

collect?v=1&tid=UA 482330 7&cid=1955551e 1975 5e52 0cdb 8516071094cd&sc=start&t=pageview&dl=http%3A%2F%2Ftrack.familyfeatures
SOURCE:

American Heart Association


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5 Tips to Upgrade Your Home Office

Consider these ideas to blend function, comfort and style, and create a home office that inspires creativity and makes you want to sit down and get things done.

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Last Updated on January 26, 2026 by Daily News Staff

Consider these ideas to blend function, comfort and style, and create a home office that inspires creativity and makes you want to sit down and get things done.

5 Tips to Upgrade Your Home Office

(Family Features) Hybrid schedules and remote work have become the norm for many people, which means a functional and inspiring workspace is more necessity than luxury. With the right setup – be it a dedicated room or a cozy corner – your space can boost productivity, spark creativity and make your workday more enjoyable. Consider these ideas to blend function, comfort and style, and create a home office that inspires creativity and makes you want to sit down and get things done. Focus on Comfort The desk and chair are the foundation of any home office. Be sure to build a setup that matches your work style by picking the right height desk (with the proper amount of storage and workspace to complete your tasks) and an adjustable chair with good lumbar support. If you’re at your computer most of the time during the day, an ergonomic keyboard and monitor stand can also make a comfortable difference. Create a Clutter-Free Work Zone Incorporating smart storage solutions like shelves, filing cabinets or baskets can help keep your workspace tidy and free of distracting clutter. Desk trays can keep small office supplies organized and within easy reach while maintaining a clean aesthetic. Add Personality with Decor Much like the rest of your home, your workspace should reflect your personality and style. Add artwork, decorative accents, plants or a photo wall to bring inspiration and freshness to your office and choose a color palette that promotes positivity and focus, such as soft blues, greens or neutrals. Layer Functional Lighting For optimal productivity, combine natural light with task and ambient lighting. If possible, position your desk near a window to capture natural light then supplement your space with a desk lamp for focused illumination and floor lamps, under-shelf lighting or wall sconces to add warmth and depth. Don’t Forget Acoustics Distracting noises can negatively impact focus. To absorb sound, use soft furnishings like rugs, upholstered chairs or curtains and consider a white noise machine if you need a more soothing work environment. Find more ideas to update every room in your house at eLivingtoday.com.   Photo courtesy of Shutterstock collect?v=1&tid=UA 482330 7&cid=1955551e 1975 5e52 0cdb 8516071094cd&sc=start&t=pageview&dl=http%3A%2F%2Ftrack.familyfeatures SOURCE: eLivingtoday.com

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